Will Baby Boomers and Gen Xers have enough money to live on when they retire, and if not, when will they run short? New modeling by the nonpartisan Employee Benefit Research Institute (EBRI) finds that those in the lowest income brackets are most likely to run short, many in the first year of retirement.  But EBRI also finds that some in all income brackets – including the highest – may run short at some point during their retirement.